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SCHEDULE 13D/A 0001746800 XXXXXXXX LIVE 18 Common Stock, par value $0.01 per share 11/25/2025 false 0001070680 12520L109 CF BANKSHARES INC. 4960 E. Dublin Granville Road Suite #400 Columbus OH 43081 Deborah Sykes 858-756-8300 11682 El Camino Real, Suite 320 San Diego CA 92130 0001746800 N Castle Creek Capital Partners VII, LP WC N DE 0.00 455983.00 0.00 455983.00 455983.00 N 7.2 PN (1) The information set forth in Item 5 of this statement on Schedule 13D is incorporated herein by reference. Y Castle Creek Capital VII LLC AF WC N DE 0.00 455983.00 0.00 455983.00 455983.00 N 7.2 HC OO (1) The information set forth in Item 5 of this statement on Schedule 13D is incorporated herein by reference. Common Stock, par value $0.01 per share CF BANKSHARES INC. 4960 E. Dublin Granville Road Suite #400 Columbus OH 43081 This Amendment No. 18 to Schedule 13D (this "Amendment No. 18") amends and supplements the Schedule 13D filed on December 24, 2019 (the "Original Schedule 13D", and as amended by Amendment No. 1 filed on March 31, 2020, Amendment No. 2 filed on June 1, 2020, Amendment No. 3 filed on November 26, 2024, Amendment No. 4 filed on December 3, 2024, Amendment No. 5 filed on December 12, 2024, Amendment No. 6 filed on May 14, 2025, Amendment No. 7 filed on May 22, 2025, Amendment No. 8 filed on July 3, 2025, Amendment No. 9 filed on July 10, 2025, Amendment No. 10 filed on July 23, 2025, Amendment No. 11 filed on August 15, 2025, Amendment No. 12 filed on August 26, 2025, Amendment No. 13 filed on August 29, 2025, Amendment No. 14 filed on September 8, 2025, Amendment No. 15 filed on September 10, 2025, Amendment No. 16 filed on September 23, 2025 and Amendment No. 17 filed on October 8, 2025, the "Schedule 13D") with the U.S. Securities and Exchange Commission (the "SEC"), relating to the shares of common stock, par value $0.01 per share ("Voting Common Stock"), of CF Bankshares Inc. (formerly known as Central Federal Corporation) (the "Issuer" or the "Company"). Unless specifically amended hereby, the disclosures set forth in the Schedule 13D remain unchanged. Capitalized terms used in this Amendment No. 18 that are not otherwise defined herein have the meanings attributed to them in the Original Schedule 13D. Item 3 of the Schedule 13D is hereby amended and supplemented by adding the following: Between October 7, 2025 and November 25, 2025 (inclusive), Castle Creek Capital Partners VII, LP ("Fund VII") sold an aggregate of 81,617 shares of Voting Common Stock for proceeds of $1,965,997.22, which represents an amount net of commissions and fees, in various open-market transactions. Following such transactions, Fund VII owns 455,983 shares of Voting Common Stock. Item 5(a) and (b) of the Schedule 13D is hereby amended and supplemented as follows: Fund VII owns 455,983 shares of the Voting Common Stock, which represents approximately 7.2%* of the Voting Common Stock. *This calculation is based on 6,367,075 shares of Voting Common Stock of the Company outstanding as of November 4, 2025, as reported in the Company's Quarterly Report on Form 10-Q filed with the SEC on November 7, 2025. Fund VII has shared power to vote or direct the vote and shared power to dispose or direct the disposition of the 455,983 shares of Voting Common Stock described above with CCC VII. CCC VII disclaims beneficial ownership of the Voting Common Stock beneficially owned by Fund VII, except to the extent of its pecuniary interest therein. Item 5(c) of the Schedule 13D is hereby amended and supplemented as follows: Except as previously disclosed in the Schedule 13D, Fund VII has engaged in the following open market, broker-assisted transactions with respect to the Voting Common Stock during the last 60 days through the date of the event which requires filing of this Schedule 13D: (i) 20,200 shares of Voting Common Stock sold on October 7, 2025 at a weighted average price of $24.28 per share (in multiple open market, broker-assisted transactions ranging from $24.25 to $24.41 per share, inclusive); (ii) 24,614 shares of Voting Common Stock sold on October 8, 2025 at a weighted average price of $24.08 per share (in multiple open market, broker-assisted transactions ranging from $24.08 to $24.20 per share, inclusive); (iii) 450 shares of Voting Common Stock sold on October 9, 2025 at a weighted average price of $24.00 per share (in multiple open market, broker-assisted transactions ranging from $24.00 to $24.02 per share, inclusive); (iv) 3,138 shares of Voting Common Stock sold on October 27, 2025 at a weighted average price of $24.04 per share (in multiple open market, broker-assisted transactions ranging from $24.00 to $24.07 per share, inclusive); (v) 4,864 shares of Voting Common Stock sold on November 24, 2025 at a price of $24.00 per share; and (vi) 28,351 shares of Voting Common Stock sold on November 25, 2025 at a weighted average price of $24.07 per share (in multiple open market, broker-assisted transactions ranging from $24.00 to $24.18 per share, inclusive). Castle Creek Capital Partners VII, LP /s/ Tony Scavuzzo Tony Scavuzzo, Managing Principal 11/28/2025 Castle Creek Capital VII LLC /s/ Tony Scavuzzo Tony Scavuzzo, Managing Principal 11/28/2025